Pension Finding Terms
Version 1.0.6. 31/08/23
These terms apply to your use of the Jarvis Pension Finding Service, as described in more detail in our app (the Services). Please read these terms carefully and in full each time before using the Services. If you do not agree to these terms, you can't use the Services.
How we provide the Services
If you have any questions about these terms or the Services we provide to you, please contact us by email at jarvis@myraindrop.co.uk. We will try our best to help you but we are not able to provide financial, investment, tax or legal advice.
The Pension Finding Services are provided by Pension Jar Limited trading as Jarvis (Jarvis, we, us). Jarvis is an appointed representative of P1 Investment Services Limited, which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005.
We use Raindrop Technologies Holdings Ltd (Raindrop) to help us deliver the Pension Finding Services. Raindrop will only handle your data to the extent needed to assist us in delivering the Services to you and in accordance with applicable data protection laws. Raindrop's privacy policy can be found here.
Raindrop Technologies Holdings Ltd (FRN: 931052) is an Appointed Representative of Resolution Compliance Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 574048). Raindrop Technologies Holdings Ltd is registered in England and Wales. Number: 12431555. Registered office: Runway East London Bridge, 20 St Thomas Street, London SE1 9RS, UK.
This means that where we refer to "we" or "us" in these terms, it may indicate Raindrop completing the action on our behalf. However, while parts of the Services you receive are provided to you directly by Raindrop, your contractual relationship when you use the Services is with Jarvis.
All pension provision and pension consolidation services are supplied solely by Jarvis.
Using the Services
To use the Services, you must be an individual aged 18 or older, who is or has been employed, self-employed or a worker in the UK.
There is no charge to use the Services.
To start using the Services, you will need to complete the pension finding process in the Jarvis app. We call this a Pension Finding Request. For each Pension Finding Request, you will be asked to provide your full name, date of birth, National Insurance number, current residential address, details of your former employer and/or the details of the pension provider.
Please read and check the details of your Pension Finding Request carefully before submitting it. You will be able to correct any errors before submitting your Pension Finding Request. If any of this information is missing, we may not be able to carry out the search, but we will let you know where that's the case.
If you receive a positive result from your Pension Finding Request and the plan is transferrable based on our parameters, you agree for Jarvis to consolidate your pensions into your Jarvis SIPP. Before your pensions are consolidated you must review the found pension in the Jarvis app and confirm you are happy to continue with the pension transfer. You can find Jarvis’ SIPP Terms, KFD and Declaration here.
By submitting a Pension Finding Request, you are deemed to have agreed to these terms.
We can only search for your pensions in your name and you can't use the Services on behalf of someone else.
By using the Services, you represent and confirm that:
1. you will not use our Services for any fraudulent, unlawful or abusive purpose;
2. the information you provide, including in your Pension Finding Request, is your own and you are duly authorised to provide such information;
Investigating Pension Finding Requests
We will only accept your Pension Finding Request when we email you to confirm this.
We may contact you to say that we do not accept your Pension Finding Request. This is typically for the following reasons:
1. You have not verified your e-mail address after submitting a Pension Finding Request.
2. Where your Pension Finding Request relates to pension arrangements:
i. that are active, i.e. still receiving or being credited with regular monetary payments or contributions to it;
ii. relating to public sector employment;
iii. relating to an employment period of 3 months or less;
iv. relating to an employment prior to the year 1990.
If for whatever reason, we cannot otherwise carry out the Services we will let you know.
We'll start looking for your pensions after we email to confirm your Pension Finding Request. We will let you know what we have found but it is important to note that it takes time for pension schemes to respond to requests. We will respond to you promptly when we have received the information from the pension scheme.
If there is any change to the way we hoped to respond to your Pension Finding Request, or if a pension provider or other third party does not respond on the information you have provided us, or if they request further information, we will let you know.
If we find more than one pension with the information given to us in your Pension Finding Request, we will let you know. In addition, we'll let you know if we find pension schemes or arrangements which were not expressly covered in your Pension Finding Request.
The Pension Finding Services are concluded when you have been sent the result of the pension search. If you submit another Pension Finding Request, there will be a new contract between us.
Your Tracing Progress
We will provide you with access to the Jarvis app to track the progress in relation to your Pension Finding Request.
It is your responsibility to keep your credentials used to access the Jarvis app safe and confidential and contact us immediately if this information has been compromised or if someone may have unauthorised access to your app.
By using the app, you are deemed to have accepted the Jarvis terms of use, which are incorporated into these Terms. In the event of any inconsistency between any other aspects of the terms, these Service terms will prevail.
Your personal information
Each time you submit a Pension Finding Request:
1. you provide explicit consent for us, and the select third parties we use to help us provide the Services, to use personal information about you in connection with the provision of the Services to you. This includes sharing your personal information with pension providers and other third parties for the purposes of identifying your pensions; and
2. you provide explicit consent for us to contact you in relation to the results of your Pension Finding Request.
For further information about how we use your personal information and how you can exercise your rights in relation to our use of your personal information, please see our privacy policy here. Raindrop's privacy policy can be found here.
Right to cancel
You have the right to cancel within 14 days of submitting your Pension Finding Request without giving any reason. You can do this by sending an email to jarvis@myraindrop.co.uk stating that you wish to cancel your Pension Finding Request.
Limitation on our liability
Other than as expressly set out in these terms, any additional terms we introduce from time to time, or implied by consumer law, we do not make any particular commitments or promises to you about our Services.
We provide our Services with reasonable care and skill. All Services are provided to you on an "as is" and "as available" basis. To the extent permitted by applicable law, we exclude all warranties.
Except for any legal responsibility that we cannot exclude in law (such as for death or personal injury), we are not legally responsible for any:
1. losses that were not foreseeable to you and us;
2. losses that were not caused by any breach on our part;
3. business losses; or
4. losses to non-consumers.
In the absence of deliberate default or negligence on our part, we will not be legally responsible to you for any loss that you may suffer in connection with the Services.
We're not responsible for any loss or damage (direct or indirect) caused by something beyond our reasonable control. In these circumstances, we will try to start or restart the Services once we can.
Intellectual Property
We or our third-party licensors owns all rights, title and interest (including intellectual property rights) in and to the Services, our app and technology.
Complaints
We will try to resolve any issues with you quickly and efficiently. If you are unhappy with the Services or any other matter, please contact us as soon as possible using the contact details set out below.
We will handle all complaints in accordance with our complaints policy, which we will provide on request or once you notify us of a complaint.
1. Pension Jar, 80 Cheapside, London, EC2V 6EE
2. Email: jarvis@myraindrop.co.uk
Governing Law
These terms are only available in English. No other languages will apply to these terms.
These terms are governed by English law and the English courts have exclusive jurisdiction to settle any matters arising in connection with these terms, except that if you are resident in Scotland or Northern Ireland you may also bring proceedings in Scotland or Northern Ireland, as applicable.